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The original was posted on /r/apple by /u/LifeUtilityApps on 2024-11-03 13:14:37+00:00.

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Screenshots & UI: View Gallery

App Store Link: DownPay for iOS

Hi r/apple!

My first app is a debt and savings tracker that lets you track your debts and savings goals. The UI becomes a dashboard to monitor those debts and savings, with many charts, projections, and calculators integrated into the debts.

All entered data is saved only on the device and in iCloud and is 100% private. It doesn’t have logins or synchronization with bank accounts, it works offline and doesn’t have a signup to use.

Current Features:

Debt Manager:

• Manage 14 types of debt in one place, including credit cards, student loans, auto loans, mortgages, and more.
• Easily add and track debts, view detailed progress reports, and plan repayment with a user-friendly interface.
• See detailed Amortization, Debt Payoff dates, and interest estimations for most debts
• Asset-Linked Debts: Connect mortgages to Houses, Cars to loans, student loans to degrees, etc

Savings Manager:

• Track savings goals for downpayments, emergency funds, weddings, home renovations, cars, and much more.
• Each savings can have multiple sources of funds to track across more than one place (such as savings account, gifts from family or brokerage + savings + physical cash, etc)
• Some savings types allow “downpayment” logic. For example, when you save for a car/house, you can save 10,20,50,100% of the total purchase price.

No Data Tracking:

• DownPay collects no data whatsoever from users, no 3rd party ads, no analytics, etc

No Subscription:

• Free, or One-time Lifetime unlock for unlimited

Free Version:

• Track 3 Debts
• Track 2 Savings Goals

In-App Purchases: DownPay Pro

• One-time $15
• Monthly $0.99

New features built recently:

• Detailed Amortization tables & charts
• Paycheck Allocator for debts & expenses
• Vehicle Search - USA & International
• Hide balances & over 20+ currencies
• In-app requests for new features, currencies, icons, and more

What I’m building now:

• Detailed timeline charts
• Enhanced breakdowns
• Expenses & Budgeting
• and more, view my Roadmap

If you have any feedback, suggestions, or questions, please comment below 😃 I love implementing suggestions from other Redditors, you all give great feedback! If you enjoy my app please drop an App Store rating, it helps a lot ❤️

Thanks so much!

Get for free on the App Store: https://apps.apple.com/app/apple-store/id6474574024